merchant-agreement

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(s) it is a credit card transaction in which:
(i) the amount of the transaction or transactions on the same occasion is more
than your applicable fl oor limit unless you obtained authorisation from us; or
(ii) you collected or refi nanced an existing debt including, without limitation, the
collection of a dishonoured cheque or payment for previous card charges; or
(t) it is an off-line debit transaction in which the amount of the transaction or
transactions on the same occasion is more than your applicable fl oor limit for an
off-line debit transaction, unless you obtained authorisation from us; or
(u) it occurs during a period in which your rights under this agreement were suspended
under clause 22.3 or after this agreement was terminated; or
(v) you cannot give a transaction receipt as required by clause 6.1.
9.2. At our election, a transaction for a sale, refund or provision of cash is not
acceptable if:
(a) the cardholder disputes liability for the transaction for any reason or makes a claim
for set-off or a counterclaim; or
(b) it is of a class which we decide, at our discretion, is not acceptable.
9.3. You acknowledge and agree that we may:
(a) refuse to accept a transaction if it is invalid or unacceptable, or may charge it back
to you if we have already processed it even if we have given you an authorisation
(either electronically or by telephone); and
(b) reverse a sales transaction as a chargeback for any of the reasons in clauses 9.1 or
9.2 or any other reason we notify you of from time to time; and
(c) without limiting the above, delay, block, freeze or refuse to accept any transaction
where have reasonable grounds to believe that the transaction breaches Australian
law or sanctions or the laws or sanctions of any other country.
10. Settlement of transactions and your nominated account
10.1. You must have at least one account with us for recording transactions in dollars
unless we agree otherwise.
10.2. If we have agreed with you to process transactions in foreign currency you must
have an account for recording foreign currency transactions.
10.3. The terms of this clause 10 vary the terms that would otherwise govern your
nominated account.
10.4. Under normal conditions we will pay to your nominated account the amount of all
valid and acceptable sales and cash transactions processed by you and settled by us
in the agreed currency or dollars as applicable within 5 banking days.